Understanding our approach to fees

Example 1

David – £400,000 under management

• Ongoing fee: 1.5% of £400,000 = £6,000 per year (≈ £500 per month)
• Breakdown (all included within the 1.5%):
  • Adviser service & financial reviews: ~1% = £4,000
  • Investment platform fee: ~0.20% = £800
  • Underlying fund charges: ~0.30% = £1,200
  • Initial fee of £3,750 is offset – no upfront cost. No initial fee is charged, saving David £3,750

Service David receives:

• Annual financial review with his adviser
• Protection planning
• Investment risk analysis and planning
• A long-term investment portfolio built to align with his financial plan
• Basic cashflow modelling
• Appropriate tax and income planning
• Investment rebalancing twice a year
• Access to our platform, Bluecoat Hub

Ongoing support if his circumstances change.

Example 2

Emma and Tom – £900,000 under management

• Ongoing fee: 1.5% of £900,000 = £13,500 per year
• Breakdown (all included within the 1.5%):
  • Adviser service & two in-depth reviews: ~1% = £9,000
  • Platform fee: ~0.20% = £1,800
  • Fund charges: ~0.30% = £2,700

• Initial fee of £7,000 is offset – no upfront cost. No initial fee is charged saving Emma and Tom £7,000.

Service Emma and Tom receive:

• Annual financial reviews to keep their strategy on track
• Protection planning
• Investment risk analysis and planning
• Detailed portfolio performance reporting against their long-term goals
• Portfolio structured to align with their financial plan and to mitigate tax liabilities
• Adviser-led adjustments if major life changes occur
• Investment rebalancing every quarter
• Access to our platform, Bluecoat Hub
• Appropriate tax and income planning
• Strategic cashflow planning
• Intergenerational planning.

Example 3

Alex and Sam – £1,800,000 under management

• Ongoing fee: 1.5% of £1,800,000 = £27,000 per year
• Breakdown (all included within the 1.5%):
  • Adviser service & quarterly reviews: ~1% = £18,000
  • Platform fee: ~0.20% = £3,600
  • Fund charges: ~0.30% = £5,400

• Initial fee of £10,000 is offset – no upfront cost. No initial fee is charged, saving Alex and Sam £10,000.

Service Alex and Sam receive:

• A minimum of an annual review with a senior adviser
• Strategic protection planning
• Access to our platform – Bluecoat Hub
• Investment risk analysis and planning
• Bespoke reporting, aligned to her 10-20 year wealth goals
• Portfolio structured to balance growth, security, and flexibility
• Adviser involvement whenever major financial decisions are needed
• Investment rebalancing every three months
• Appropriate tax and income planning
• Advantage cashflow modelling
• Advanced planning – including expert knowledge in technical investment
• Intergenerational planning – multi-generational approach where appropriate.